Stocks · Financial Services · Banks - Regional
HomeTrust Bancshares, Inc. HTB
$46.53 -0.13% Close, Oct 5, 2026 · NYSE · Market cap $783.0M
High quality
Next earnings report: Oct 22, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Earnings beat analyst estimates in each of the last 7 quarters (average surprise over the last four: +10.2%).
- The company holds net cash of $97.5M (cash above total debt).
- Revenue over the last four quarters was $287.9M, down 1.9% from a year earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
Growth15Very weak
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 22%
- EPS growth (TTM, YoY)Bottom 39%
- FCF growth (TTM, YoY)Bottom 29%
- Revenue growth, 3-year CAGRBottom 33%
- Revenue growth accelerationBottom 47%
Quality89Strong
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 20%
- Gross marginTop 29%
- Operating marginTop 33%
- Cash conversion (OCF / net income)Top 29%
- Accruals (lower is better)Top 36%
- Net debt / EBITDA (lower is better)Top 18%
- Interest coverTop 45%
Value79Positive
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 36%
- Free-cash-flow yieldTop 26%
- EBITDA / enterprise valueTop 10%
- Sales / enterprise valueTop 32%
- P/E vs own 5-year history (lower is better)Bottom 30%
Momentum51Neutral
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 42%
- 6-month returnTop 44%
- 1-year return vs S&P 500Top 37%
- Distance from 52-week highBottom 47%
- Trend checklist (0–4)Top 48%
Revisions94Exceptional
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 27%
- Consecutive EPS beatsTop 16%
- Share of analysts rating BuyTop 24%
- Upside to consensus price targetTop 30%
Stability72Positive
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 41%
- Maximum drawdown, 3 yearsTop 24%
- Beta vs S&P 500 (lower is better)Bottom 43%
- Net debt / EBITDA (lower is better)Top 18%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -1.3% | -1.9% | ↓ |
| EPS growth (YoY) | 22.9% | 11.4% | ↓ |
| Gross margin | 68.4% | 73.0% | ↑ |
| Operating margin | 25.7% | 28.3% | ↑ |
| FCF margin | 34.3% | 33.0% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -1.9% | -1.3% | ↓ | Bottom 22% |
| EPS growth (TTM, YoY) | 11.4% | 22.9% | ↓ | Bottom 39% |
| Gross margin | 73.0% | 68.4% | ↑ | Top 29% |
| Operating margin | 28.3% | 25.7% | ↑ | Top 33% |
| Net margin | 22.6% | 20.1% | ↑ | — |
| Free-cash-flow margin | 33.0% | 34.3% | ↓ | — |
| Return on invested capital | 7.8% | — | Top 20% | |
| Revenue growth, 3-year CAGR | 10.6% | — | Bottom 33% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.52×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.8%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.5%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -90.3 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -0.86×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.1×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.14%
- Net buyback yield (TTM)
- 4.97%
- Shareholder yield
- 6.11%
- Share count change, 1 year
- -3.2%
- Share count change, 3-year CAGR
- -0.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 7
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +10.2%
- Average 2-day reaction, last 8
- +1.3%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $57.00
- Target vs current price
- +22.5%
- Analysts with a rating
- 3
- Share rating Buy or Strong Buy
- 67%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | +8.4% | +0.5% | +6.8% | -2.3% | — |
| Apr 23, 2026 | +20.7% | +3.6% | +2.0% | +4.2% | +8.6% |
| Jan 22, 2026 | +2.2% | -2.4% | -7.3% | -3.4% | +0.6% |
| Oct 22, 2025 | +9.4% | +1.6% | +1.8% | -1.6% | +10.7% |
| Jul 22, 2025 | +29.5% | +3.6% | +4.4% | +0.6% | +2.7% |
| Apr 24, 2025 | +12.9% | -0.9% | -2.2% | +1.1% | +12.0% |
| Jan 23, 2025 | +10.4% | +4.1% | +9.2% | +7.8% | -2.8% |
| Oct 24, 2024 | -1.7% | -0.1% | -0.2% | +10.3% | +2.8% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $0.94 | $0.87 | +8.4% | $54.5M |
| Apr 23, 2026 | $0.99 | $0.82 | +20.7% | $54.3M |
| Jan 22, 2026 | $0.93 | $0.91 | +2.2% | $53.6M |
| Oct 22, 2025 | $0.95 | $0.87 | +9.4% | $54.1M |
| Jul 22, 2025 | $1.00 | $0.77 | +29.5% | $52.9M |
| Apr 24, 2025 | $0.84 | $0.74 | +12.9% | $50.9M |
| Jan 23, 2025 | $0.83 | $0.75 | +10.4% | $51.4M |
| Oct 24, 2024 | $0.76 | $0.77 | -1.7% | $50.4M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 12.2× | 11.0× | 76th | Top 36% |
| P/E (forward) | 12.4× | — | — | — |
| EV / EBITDA | 6.0× | — | — | Top 10% |
| EV / Sales | 2.38× | — | — | Top 32% |
| Free-cash-flow yield | 12.13% | — | — | Top 26% |
| Earnings yield | 8.19% | — | — | Top 36% |
P/E over the past five years
Range 6.9× – 29.7× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +15.4%
- Earnings per share growth (TTM)
- +11.4%
- Change in P/E multiple
- +23.1%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 3
- 50-day average slope (20 days)
- -1.7%
- 200-day average slope (20 days)
- +1.1%
- Distance from 50-day average
- -3.1%
- Distance from 200-day average
- +1.5%
- RSI (14)
- 47.1
- Relative volume
- 0.57×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 18.9%
- Volatility vs own 5-year history
- 6th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.76
- Correlation with S&P 500
- 0.48
- Current drawdown from 1-year high
- -10.3%
- Maximum drawdown, 3 years
- -18.1%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 14, 2022 | May 11, 2023 | -43.9% | 331 days | 294 days (Jul 15, 2024) |
| Nov 25, 2024 | Jan 10, 2025 | -17.4% | 30 days | 118 days (Jul 2, 2025) |
| Aug 4, 2026 | Sep 23, 2026 | -12.8% | 35 days | Not yet recovered |
| Jun 16, 2021 | Aug 4, 2021 | -12.7% | 34 days | 46 days (Oct 8, 2021) |
| Sep 19, 2024 | Oct 3, 2024 | -12.6% | 10 days | 24 days (Nov 6, 2024) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $783.0M
- P/E (TTM)
- 12.2
- EPS, diluted (TTM)
- $3.81
- Revenue (TTM)
- $287.9M
- Dividend yield
- 1.20%
- 52-week range
- $38.30 – $52.50
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $155.3M | $216.1M | $265.8M | $295.1M | $292.5M |
| Gross profit | $150.6M | $171.0M | $185.7M | $194.6M | $206.1M |
| Operating income | $45.4M | $57.2M | $63.3M | $69.9M | $81.0M |
| Net income | $35.7M | $44.6M | $50.0M | $54.8M | $64.4M |
| EPS (diluted) | $2.23 | $2.80 | $2.97 | $3.20 | $3.72 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $74.9M | $74.4M | $71.7M | $72.3M | $74.1M | $72.9M | $71.5M | $69.3M |
| Net income | $13.1M | $14.2M | $14.5M | $17.2M | $16.5M | $16.1M | $16.8M | $15.6M |
| EPS (diluted) | $0.76 | $0.82 | $0.84 | $1.00 | $0.95 | $0.93 | $0.99 | $0.94 |
| FY 2020 | FY 2021 | FY 2022 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $9.6M | $33.1M | -$42.4M | $45.0M | $49.5M |
| Capital expenditure | -$28.0M | -$9.5M | -$14.8M | -$16.7M | -$6.7M |
| Free cash flow | -$18.4M | $23.6M | -$57.1M | $28.2M | $42.8M |
| Dividends paid | -$5.0M | -$5.5M | -$6.2M | -$7.7M | -$8.4M |
| Net share buybacks | -$16.4M | -$43.7M | -$344,000 | -$1.0M | -$13.5M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $418.4M
- Total assets
- $4.44B
- Total liabilities
- $3.84B
- Total debt
- $175.0M
- Net debt
- -$97.5M
- Shareholders’ equity
- $600.6M
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 13, 2026 | $0.15 | Aug 27, 2026 |
| May 14, 2026 | $0.15 | May 28, 2026 |
| Feb 18, 2026 | $0.13 | Feb 26, 2026 |
| Nov 14, 2025 | $0.13 | Nov 28, 2025 |
| Aug 14, 2025 | $0.12 | Aug 28, 2025 |
| May 15, 2025 | $0.12 | May 29, 2025 |
| Feb 13, 2025 | $0.12 | Feb 27, 2025 |
| Nov 14, 2024 | $0.12 | Nov 27, 2024 |
Short interest
- Shares sold short
- 1,139,502
- Days to cover
- 4.93
- Change vs previous report
- +50.7%
FINRA short interest, settlement date Sep 15, 2026.